ATTENTION WASHINGTON STATE EMPLOYEES WHO WANT HELP MANAGING THEIR PLAN 3 & DCP ACCOUNTS
For less than $1 per day (cheaper than your coffee) you will receive ongoing, personalized investment advice, so you can confidently invest in your TRS 3, PERS 3 & DCP retirement plans!
Get started today for only $25/Month
Introducing - Scenic Plan Confidence
Plan 3 & DCP Investment Advice: Self service professional advice do it yourself for only $25/month, cancel at anytime!
If the bulk of your life savings is in TRS 3/ PERS 3 then taking the time to make sure you are invested properly could make a huge impact on your future.
Why you NEED this:
- Save time without having to worry about what to pick
- DRS legally can’t help you so you are on your own
- 85% of you are in the default fund which might be riskier than you want and no one’s told you
Get everything set in under 10 minutes.
Industry studies estimate that professional financial advice can add between 1.5% and 4% to portfolio returns over the long term
Get Started Today - Only $25/ Month
How does this work?
Get Started In Just 2 Steps
Step 1: Select the risk level you want and instantly get personalized investment recommendations.
Step 2: Login to your DRS account (DRS.wa.gov) and make the changes -it’s that simple!
We have a step by step guide to help you do this.
Doesn't DRS already help me with my own investments?
Nope! Neither DRS or VOYA have any licensed advisors on hand to provide you with any type of investment advice.
Can't I Just Use A Target Date Fund?
Yes you could. However Target date funds often don’t take on enough risk earlier in your career which could leave lots of money on the table and then have too much risk when your reach your retirement age.
My advisor already helps me with this
It’s highly unlikely that your current advisor is giving you advice on your Plan 3 or DCP accounts.
Due to the amount of time it takes to do a proper evaluation for each clients situation and the fact that they can’t charge for it.
I have a financial advisor, can't I just get recommendations from them?
You could. But if they aren’t already doing that chances are they don’t provide that service. It’s also likely that have no idea what your investment options are let alone give you consistent updates on how to allocate your investments in all of your different retirement accounts
Why do I need advice if retirement is so far away?
The earlier you start taking your retirement seriously the better your future will be. If getting investment advice is able to improve your investment performance by just 1% a year that could add tens of thousands of dollars to your retirement over the long run.
Doesn't the fund managers already trade investments for us so we don't have to?
Fund managers are only in charge of managing their own funds and keeping it inline with their benchmarks. They aren’t in charge of your own personal portfolio.
Can I get advice on more than one account?
Yes, you can receive advice on as many accounts as you want.
Could I add my spouses 401k plan so they can also get advice on their investments?
Yes, you can link any of the following accounts for you and your spouse for no additional fees:
Plan 3, DCP, 401k, VEBA, HSA
How much does this cost?
$25/ Month, Cancel Anytime
Is it really worth the investment?
If you feel that you could either earn more than $300 in the next year by getting professional advice on your investments or the value of time and is worth more than the cost then this would be a great investment.
Keep in mind this price covers all of your accounts you want advice on
To put this in perspective $300/year for advice on a $300k account is equivalent to a .10% fee. The stock market on average moves .25% a day. The average robo advisor charges .25% a year. DRS currently charges .11% in admin fees while providing no advice.